Retiring with CareSuper

Discover your choices for life after work. 

Whether you’re planning on reducing your working hours or finishing up work altogether, we’re here to help you make the most of your situation and give you choices and control over how you receive your future income.  

Forecast your future
See what kind of income you’re on track for after work using our Retirement income calculator.
Start planning for retirement
Ready to stop focusing on work and start focusing on other parts of your life? Our Retirement Guide is for you if you’re wondering how to put yourself in a better financial position for life after work.
See your CareSuper account choices
There are three flexible ways to receive an income from CareSuper. We’ll help you find the right account for you.
Understand your super investments
Your money doesn’t stop working, even when you start drawing on your super as an income. Learn about our investment team’s active approach to protecting and growing your savings and see how we’ve performed over the years.
Speak with an expert
If you’re planning for life after work, seeking advice through your super fund can be a great option. We offer several types of advice to suit your needs.
FAQs
When can I gain access to my super?

For most people, it will be when you stop (or wind down) paid work, including when you: 

  • Reach your preservation age (see the table below) and retire
  • Turn 60 and stop working for an employer
  • Turn 65.
Date of birth Preservation age
Before 1 July 1960 55
1 July 1960 - 30 June 1961 56
1 July 1961 - 30 June 1962 57
1 July 1962 - 30 June 1963 58
1 July 1963 - 30 June 1964 59
After 30 June 1964 60

You may be allowed to access your super early under certain circumstances. Read Accessing your super for more information. 

Can I combine the government age pension with a CareSuper Pension account?

Yes, provided you qualify for the government age pension. If you’re eligible for all or part of the government age pension, then combining it with a CareSuper pension can work well. You can use the age pension to meet basic living costs and spending money can come from your CareSuper pension.

Eligibility for the government age pension depends on your age, residency status, and the income and assets tests. How much you receive is subject to the income you obtain from other sources (including your superannuation) and the value of your assets.
 

How do I start a CareSuper Pension account?

If you’re already a CareSuper member, you can open a CareSuper Pension through your MemberOnline account at any time.

If you’re not a CareSuper member or the pension tab isn’t showing up in MemberOnline, you can apply for an account by filling out an application form and posting it back to us with a copy of your bank details and certified ID. You can get the form by downloading the Pension Guide PDS.

If you’re setting up a transition to retirement strategy, select this option when you’re applying for your CareSuper Pension account.
 

Have another question in mind? Check out our Retirement FAQs.